Edward Payne
Principal
I have over twenty years of experience in senior roles with a range of well known financial services brands including Halifax, Yorkshire Building Society, Bank of Ireland and Friends Life.
I set up Clifton Mortgages because I felt that financial services was too siloed and too transactional and customers deserved better.
I believe in providing a tailored, professional service to all of my customers. I do this by taking a thorough and holistic view, of not only your present needs but also of your long term, broader requirements and circ*mstances.
I will use all of my experience and contacts to give you the best possible advice and the best possible service, both now and in the years to come.
As well as being a fully qualified mortgage and equity release adviser, I am a also a law graduate and will ensure that my broad skills and experience are used to consider all aspects of your personal circ*mstances and the market when advising you.
Jonny Quigley
Adviser
Originally from Leigh in Greater Manchester, I have lived in the Bristol and Bath area for over 20 years.
I have a wealth of experience in mortgages and protection with around 15 years of advice experience.
I’m married with two children and love all things rugby related and previously played Rugby League for Salford.
Sarah Payne
Finance
Sarah has lived in Bristol her whole life.
She is responsible for all all financial management within the firm and also helps with customer administration.
I’m here and happy to help clients with your mortgage and insurance applications whilst also liaising with our suppliers.
Sharon Fry
Administrator
I am from South Bristol where I have lived all my life.
I have worked in financial services and the world of mortgages primarily leading customer service teams for nearly 35 years. 32 of those years working with Bank of Ireland.
I am very customer focussed and always want to see the best outcome for the customer whilst protecting their interests and that of the company. I have undertaken and passed the Certificate in Mortgage Advice and Practice to ensure my knowledge was adequate to manage both my team and the customer’s requirements. I always try to be open-minded and as positive as I can be.
I do enjoy holidays and like lots of little breaks away with my husband and family, particularly by the coast – the seaside is my happy place!
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Fees
As well as receiving commission from providers, Clifton Mortgages may charge a fee for our services. These will be clearly outlined in our terms of business and a fee agreement document at the outset but are likely to be as follows.
Residential Mortgage and Buy To Let Advice
We will not charge a fee for an initial consultation but we do charge a flat fee of £395 on standard residential and buy to let mortgages. Typically, this is charged if we successfully obtain a formal offer for you. N.B. A higher fee may apply to complex cases e.g. for cases involving adverse credit, overseas applicants or portfolio buy to let cases and fees may sometimes be charged in advance.
We also reserve the right to charge a brokerage fee of £100 for submitting any product transfer applications.
Any amendment to selected products on any case, e.g. to secure a lower rate on behalf of the client will entail a £50 brokerage fee payable within 7 days of the amendment being made.
Equity Release and Retirement Interest Only Mortgages
We will not charge a fee for an initial consultation but we do charge a flat fee of £795 on completion of any application.
Protection and General Insurance
We do not charge a fee for arranging protection and general insurance products.
3rd Party Specialist Referrals
In some circ*mstances we may refer customers to specialist third party advisers and may receive and introducer fee or share of any commission that adviser receives. This will include bridging, commercial and second charge loan applications. We may at our discretion charge a fee as well. Any such fee will be discussed at the time and will vary according the nature of the application and any work we are required to undertake as well.
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